| Medicare and Medicaid Spousal Impoverishment Figures |
2025 |
| Maximum Community Spouse Resource Allowance: Maximum CSRA is
½ of the countable resources or $157,920 whichever is less* |
$157,920* |
| Minimum Community Spouse Resource Allowance: Minimum is all countable resources up to $31,584. If countable resources are less than
$31,584 at snapshot date, then the CSRA is limited to the
actual countable assets and cannot be increased later. |
$31,584 |
| Maximum Monthly Maintenance Needs Allowance: |
$3,948* |
| Minimum Monthly Maintenance Needs Allowance: |
$3,948* |
| Medicaid Institutional Income Cap without Trust: |
$2,901 |
| Medicaid Income Trust – Maximum Monthly Income: |
$7,445* |
| Medicaid gifting penalty
divisor (about $7,500/mo.): |
$244.78/day |
| Medicare Part A |
|
| Hospital Deductible (Total for Days 1-60)(per benefit period) |
$1,676 |
| Hospital Co-Insurance (Days 61-90) |
$419/day |
| Hospital Co-Insurance (Days 91-150) |
$838/day |
| SNF Co-Insurance (Days 21-100) |
$209.50/day |
| Medicare Part B |
|
| Deductible: |
$257/year |
| Standard Premium for 2025 enrollees: (provided, if an individual’s income is in excess of $106,000.) |
$185 per month |
|
|
|
|
| *Without legal assistance |
|
|
| WARNING: Understand that
these amounts are maximums and minimums
without legal assistance.
Amazing amounts can sometimes be saved through proper legal
assistance. Do not evaluate a situation on your own
without first discussing in-depth Medicaid planning with a
qualified elder law attorney to learn about planning
strategies Congress has allowed. Sometimes the
Community Spouse Resource Allowance can be increased.
(The above information does not constitute legal advice.) |
|
| Amounts are as of 1-1-25 and are subject to
change by state law or policy changes. |
